The Airtel Axis Bank Credit Card is a co-branded credit card jointly offered by Axis Bank and Bharti Airtel. It is specifically designed for Airtel customers who use services such as Airtel mobile (prepaid and postpaid), broadband, WiFi, and DTH.

• Co-branded partnership between Axis Bank and Bharti Airtel
• Available on the Visa card network
• Cashback-based reward system with auto statement credit
• Annual fee of Rs 500 + GST, waivable on Rs 2 lakh annual spend
• Also available in a RuPay variant for UPI-linked payments

The card offers a multi-tiered cashback structure:

• 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via the Airtel Thanks app (capped at Rs 250/month)
• 10% cashback on utility bill payments (gas, electricity) via the Airtel Thanks app (capped at Rs 250/month)
• 10% cashback on Swiggy, Zomato, and BigBasket (capped at Rs 500/month combined)
• 1% unlimited cashback on all other retail spends

Welcome Benefit

Receive an Amazon e-voucher worth Rs 500 on your first transaction within 30 days of card issuance, effectively offsetting the joining fee.

Airport Lounge Access

Enjoy 4 complimentary domestic airport lounge visits per calendar year at select airports including Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata, and Pune. You must spend Rs 50,000 in the previous 3 calendar months to be eligible.

Dining Benefits

Get up to 15% discount (maximum Rs 500) at over 4,000 partner restaurants across India under the Axis Bank Dining Delights Program, with a minimum order value of Rs 2,500.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 4,000, with a maximum waiver of Rs 500 per statement cycle. Note that fuel purchases do not earn cashback.

Health Benefits

Access 48 free online video doctor consultations, 48 interactive fitness training sessions per year, and up to Rs 500 discount on health checkups.

• Amazon e-voucher worth Rs 500 on your first transaction within 30 days of card issuance
• This effectively offsets the Rs 500 joining fee

Annual Fee Waiver

• Annual fee of Rs 500 is waived from the second year onwards on spending Rs 2 lakh or more in the previous anniversary year
• Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) do not count towards fee waiver

Lounge Access Milestone

• Spend Rs 50,000 in the previous 3 calendar months to unlock 4 complimentary domestic airport lounge visits per year
• New cardholders get lounge access waived for the first 3 months

Health Benefits

• 48 free online video doctor consultations per year
• 48 interactive fitness video training sessions per year
• Up to Rs 500 discount on health checkups

The Airtel Axis Bank Credit Card provides 4 complimentary domestic airport lounge visits per calendar year.

Eligible Airports

• New Delhi
• Mumbai
• Bangalore
• Chennai
• Hyderabad
• Kolkata
• Pune

Spending Requirement

To use the free lounge access, you must spend Rs 50,000 in the last 3 calendar months before your travel date. For newly issued cards, the minimum spend criteria is waived for the month of issuance and the following 3 months.

Important Notes

• No international lounge access is available with this card
• Access is limited to select lounges within the listed airports
• Additional visits beyond the 4 complimentary visits are chargeable

The Airtel Axis Bank Credit Card uses a direct cashback system where earned cashback is automatically adjusted against your next card bill.

Cashback Exclusions

The following categories do not earn cashback:

• Fuel purchases
• EMI transactions and purchases converted to EMI
• Rent payments
• Government services
• Insurance services
• Education services
• Wallet loading transactions
• Jewelry purchases
• Cash advances
• Utility bills paid via platforms other than Airtel Thanks app

How Cashback is Credited

Cashback earned during the current billing cycle is credited in the following billing cycle, three days before the statement generation date. It is automatically adjusted as a statement credit.

New Fees from December 2024

• Wallet Load: 1% on cumulative spends of Rs 10,000+ per cycle
• Fuel: 1% on cumulative spends of Rs 50,000+ per cycle
• Education: 1% per transaction via third-party apps
• Utility: 1% on cumulative spends of Rs 25,000+ per cycle
• Online Gaming: 1% on cumulative spends of Rs 10,000+ per cycle

• Indian resident
• Age: 18 to 70 years (primary cardholder)
• Add-on cardholder: above 15 years
• Stable source of income
• Recommended CIBIL score: 700+

Income Requirements

• Minimum monthly income of Rs 15,000 for salaried individuals
• Self-employed individuals must demonstrate stable income through IT returns or business documents

Factors Affecting Approval

• Credit score and credit history
• Credit utilization ratio
• Existing debt-to-income ratio
• Employment stability
• Frequency of recent credit inquiries

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID
• Driving License

Address Proof

• Aadhaar Card
• Passport
• Driving License
• Utility Bill (not more than 3 months old)
• Bank Account Statement
• Property Registration Document

Income Proof

• Salaried: Latest salary slips (not more than 3 months old), Form 16, last 3 months bank statement
• Self-employed: Income Tax Returns, certified financial documents, proof of business continuity

Additional

• Recent passport-size photograph
• PAN Card or Form 60

1. Download the Airtel Thanks app from Google Play or App Store
2. Log in using your registered Airtel mobile number
3. Navigate to the Shop section and select Airtel Finance
4. Tap on Credit Card and click Apply Now
5. Fill in personal, residential, and income details
6. Complete the digital KYC process
7. Submit the application
8. Receive the card at your registered address within 7-10 business days

Online Application via Axis Bank Website

1. Visit the Axis Bank credit cards section
2. Select the Airtel Axis Bank Credit Card
3. Fill in your basic details and documentation
4. Complete KYC verification
5. Your application will be processed and you will be notified of approval

The Airtel Axis Bank Credit Card stands out as one of the best cards for Airtel ecosystem users in India. The 25% cashback on Airtel bill payments is unmatched in the market, and the additional 10% on utilities and food delivery partners makes it a compelling daily-use card. For a nominal annual fee of Rs 500, you also get domestic airport lounge access, dining discounts, and health benefits.

The card is best suited for individuals who are loyal Airtel customers and regularly pay their telecom and utility bills through the Airtel Thanks app. If your monthly Airtel spend is at least Rs 1,000 and utility spending is around Rs 2,500, you can easily earn back the annual fee and save significantly over the year. However, if you need international lounge access, uncapped rewards, or prefer using other bill payment platforms, you may want to consider alternative cashback cards.